32 HARDWOOD TRAIL, PALM COAST, FL, 32137
Active88 days on marketListed May 7, 2026MLS #FC318379
About this home
32 HARDWOOD TRAIL
Under Construction. The Dalton is a well-designed single-story floor plan available in communities throughout North Florida, offering low maintenance living tailored for the 55+ homeowner. With a two-car garage and three exterior elevations to choose from, buyers can select the architecture that best suits their style. At 1,986 square feet, the Dalton features energy efficient construction features with three bedrooms plus a versatile flex room. This single-level layout provides the ease of no stairs making it ideal for everyday living and entertaining family and friends. Inside, the Dalton features open-concept living, highlighted by a spacious kitchen with a large center island, quartz countertops, and designer cabinetry. The main suite includes vaulted ceilings, a dual comfort-height vanity, an oversized walk-in shower, and a spacious walk-in closet. The large screened-in lanai enhances the Florida lifestyle by allowing you to enjoy the outdoors year-round with an extension of your entertaining space right off the living room. Every home includes our Home is Connected ® smart home system designed to keep you connected to the places you value most. Whether you’re adjusting the thermostat, setting the alarm or checking who’s at your front door, managing your home is easy, convenient and just a click away. Ready to see the Dalton in person? Schedule your private tour today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,986
Sqft
0.13 ac
Lot size
2
Garage
2026
Year built
One
Levels
$198
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,808 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,169/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+6.2%
$/sqft vs SAWMILL BRANCH
$198 vs $201
Days on market
88 vs 52 typical
Where $198/sqft sits among the 28 homes for sale in SAWMILL BRANCH
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
7 of 28
SAWMILL BRANCH have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 32 HARDWOOD TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$372,910
167 GREENWOOD DRIVE · same community
4 bd · 2 ba · 1,986 sqft · $188/sqft · 128 DOM
Sold · Mar ’26$383,990
155 GREENWOOD DRIVE · same community
4 bd · 2 ba · 1,986 sqft · $193/sqft · 229 DOM
Sold · Mar ’26$385,990
32 SAWDUST LANE · same community
5 bd · 3 ba · 2,030 sqft · $190/sqft · 48 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 32 HARDWOOD TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 32 HARDWOOD TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
32 HARDWOOD TRAIL FAQs
What would the monthly payment be for 32 HARDWOOD TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,808/mo — principal and interest, estimated property taxes, the $155/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 32 HARDWOOD TRAIL?+
The association fee works out to $155 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 32 HARDWOOD TRAIL?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 32 HARDWOOD TRAIL?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $393,945, this home is listed about 1% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 32 HARDWOOD TRAIL?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of DR HORTON REALTY INC. · Charlie Rogers. MLS #FC318379.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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